Personal Services

ATM & MasterCard^® Debit Card

Apply for our convenient ATM/Debit Card today to start earning rewards on your everyday purchases with our Scorecard Rewards Program.

The card serves as both a MasterCard® Debit card and an ATM card, with no annual fees. With 4 ATM locations, the Bank of Zachary ATM Card offers convenient access to your cash. Plus, you can use the Debit Card anywhere the MasterCard® logo is displayed. Then, receive detailed statements of where and when you used your card.

Instant Debit Alerts

This service will allow bank customers to receive alerts via text message whenever a suspicious debit card transaction occurs.

*A convenience fee may be charged by the owner of a Non Bank of Zachary ATM. Transactions may be approved that overdraw the account and a fee may be incurred

Apply Now

Scorecard Rewards

Simply shop, swipe, and redeem! With Bank of Zachary's Scorecard Rewards program, you can earn valuable points for every purchase you make using your ATM/MasterCard Debit Card.

Features

More than 1,600 items available
Top brand names like Apple^®, Dyson and Sony^®
All items are shipped for free
Redeem reward points online 24/7

Redeem Your Points

Overdraft Services

Forget to record a deposit or withdrawal? Overdrafts happen, but you do have options. Bank of Zachary offers many services to help avoid overdrafts or declined transactions.

Overdraft Protection

Connect your Bank of Zachary accounts together to protect against those unexpected situations. Funds will be transferred from your designated Bank of Zachary account in $100.00 increments. These transfers occur when your account becomes overdrawn from writing a check, ATM withdrawals, or any other type of payment authorizations. Each transfer incurs a fee of $7.50.

Overdraft Privilege

If your account has insufficient available funds and you attempt to make a purchase, Overdraft Privilege may cover that transaction and related fees up to your Overdraft Privilege limit. Overdraft privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fee.

Check Plus+ Personal Line of Credit

Receive the funds you need for a special purchase and protect yourself from an overdraft with the Check Plus+ Personal Line of Credit account. Tied directly to your checking account, this credit line does not cost you anything unless you use it. If used, you will pay a finance charge only on the outstanding balance of your loan.

Features

Your checking account balance will be increased in increments of $100 up to your approved credit limit. The payment will be deducted from your checking account on the first business day following your statement cycle every month. The payment amount will be 3% of the outstanding balance, with a minimum payment of $25 or the balance of your account if the balance is less than $25. The annual percentage rate is 12.5%. Details regarding your payment will be included in your monthly statements.

Request Information Meet A Loan Officer

Gift Card

The perfect gift for any occasion! A Bank of Zachary Gift Card can be used anywhere the VISA® logo is displayed, no matter the state or country.

Features

Get cash at any ATM that displays the VISA^® logo
Buy food, clothes, or anything else at your favorite stores or restaurants
Get cash back with transactions using your (PIN) Personal Identification Number
Pump your gas & pay the attendant with your card
Use the Gift Card in place of Travelers Checks
Shop on the internet
Card may be loaded up to a maximum value of $500
Check your account balance and view account activity online or via phone

Fees

There is a one-time fee of $5 to purchase a card. You are subject to fees when using the telephone options to manage your account as well as a $2 convenience fee when using an ATM that does not belong to Bank of Zachary. Avoid additional fees by using the managing your account over the internet and by using the cash back option when you are not near a Bank of Zachary ATM.

How to Purchase a Gift Card
Please visit any of our convenient locations and a Bank of Zachary teller will be happy to help you purchase a Gift Card.

Telephone Banking

Telephone Banking is a quick and an easy way to manage your money, 24 hours a day. Call 654-1516 anytime to check account balances, see which checks have been paid, and transfer funds between your Bank of Zachary checking and savings accounts.

How to Enroll
Call our Account Services department at
225-654-5647 to enroll today.

Safe Deposit Boxes

Have peace of mind with a safe deposit box at Bank of Zachary.

Box Sizes

Effective Date: Wednesday, January 15, 2025

Safe Deposit Boxes
Box	Annual Fee
3 x 5	$25
5 x 5	$30
3 x 10	$45
5 x 10	$55
10 x 10	$95

All rental payments are due by July 1st of every year. The annual fee can be automatically deducted from your Bank of Zachary checking account.

Check Availability

A limited number of Safe Deposit Boxes are available at our Main Office and our Central Office. Please give us a call or stop by either branch to check availability